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  "documentTitle": "Global Banking Annual Review 2023 Nordics",
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      "text": "1. Based on a sample of ~3,000 global largest banks in terms of assets. Profit after tax over average equity\n2. Operating income/average assets\nSource: S&P Capital IQ, McKinsey Panorama",
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      "text": "Europe, Norway, Finland, Denmark, Sweden",
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      "kind": "title",
      "text": "Nordic banks’ profitability has historically been higher than the European average, however the region lags in efficiency to utilize assets to generate revenue",
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